On March 26th, a seminar on new consumption patterns and protection of consumer rights organized by the China Consumer Newspaper was held in Beijing. The theme of the seminar was “Promote Credit System Construction, Escort and Share Economy Development”, and invited the government administrative department. Consumer organizations, legal workers, experts and business representatives conducted in-depth discussions on a series of issues such as consumption disputes and market supervision in the new consumption model, and the role of credit system construction in promoting the healthy development of new consumption patterns.
In 2017, the media was called the 'first year of the sharing economy'. New consumption patterns represented by shared bicycles, shared charging treasures, 3C rental, etc. continued to emerge. In spite of explosive growth, many infringements of consumer rights also emerged. The problem was that at this year’s '15’ evening party, the cool odd bicycle was hit by 210,000 complaints and got onto the black list because of the hard to repay the deposit. A week later, on March 22nd, the Guangzhou Intermediate People’s Court ruled that the Xiaoming bicycle was The user’s deposit was refunded within 10 days. However, the operator of the Xiaoming bike said that it was unable to return the deposit of 700,000 users. It is about to go bankrupt...
The development of the sharing economy should be based on the realization and protection of consumer rights
In 2017, the nation’s industry and commerce and market supervision departments handled more than 30,000 rental complaints, which was 8.9 times of the same period in 2016. Of these, 64.6% of complaints all refer to shared bicycles. Among the complaints that have been dealt with in rental services, There were 24,800 complaints concerning contractual issues, accounting for 78.1% of the total, said Li Yanming, former deputy director of the Consumer Protection Bureau of the State Administration for Industry and Commerce. She stated that the relevant government departments in this regard strengthen the cooperation of the consumer rights protection department and strengthen corporate credit. Supervision, promotion of self-discipline and responsibility of the company, unimpeded channels for consumer rights protection and other aspects of the work carried out in a number of work.
Wei Li, deputy director of the Market Supervision Department of the State Market Supervision Administration, believes that only a clear definition of the concept of the shared economy can provide reasonable supervision of this area. The sharing of bicycles solves the problem of the 'last mile' of public transport. We must strictly limit the access to enterprises in order to maintain a fair market competition order. Otherwise, once the market enters vicious competition, consumer rights and interests will not be effectively protected.
Dong Zhuli, deputy secretary-general of the China Consumers Association, pointed out that the development of the sharing economy should be based on the realization and protection of consumer rights. It should be based on the observance and maintenance of laws and regulations, with scientific and effective supervision as the guarantee, and relying on honesty and credit. In the aspect of credit system construction, the credit supervision of the operator is one step ahead. For the consumer, the whole society should also participate under the guidance of the government, gradually improve the consumer’s personal information, and establish a credit supervision system so that trustworthy consumers can In the process of enjoying social services, all the way to the green light.
The construction of a credit system can promote the healthy development of a shared economy
How to standardize the industry in accordance with the law and protect the legitimate rights and interests of consumers while promoting the healthy development of new consumption patterns such as the sharing economy has become the focus of attention of all walks of life. Some companies have tried to solve the problems of shared economy development through the form of credit forgery. For example, Sesame Credit and Street Power, Haro Bicycles, Car Rental, Special Calls, Samsung, Love Recycling and many other companies have jointly launched a credit-free voucher service. Some shared economic platforms also provide users of this platform with credit rating. Credit-free voucher service.
'I can be regarded as a beneficiary of credit forgiveness.' Ms. Wang told reporters that she had registered several shared bicycles, shared charging treasures and other APPs. Although each APP is only a small amount of recharge, but each platform to pay The deposits amounted to as much as several hundred dollars. Afterwards, some sharing bike platforms announced that the sesame seeds could be waived after reaching a certain amount. She immediately applied for a deposit refund, including a small blue bicycle that could not return the user’s deposit later. Shared charging treasure is a direct credit-free mortgage rental, which is very convenient to rent.
'There are more and more new consumption models including the shared economy that separates the right to use consumer goods and ownership, and credit is an effective fulcrum for inciting these consumption.' said Li Congshan, deputy general manager of Sesame Credit, the construction of a credit system can indeed promote The sharing economy is fast and healthy and sustainable. As a third-party independent organization, sesame credit and other credit institutions are also trying to protect the legitimate rights and interests of consumers under new consumption patterns by providing credit scoring, such as: By ensuring that more users enjoy new services, they can also control the risks of funds and enhance the user experience. They can also guarantee user performance through joint awards and penalties, and reduce the capital loss of merchants.
The Credit Constraints and Credit Application in Construction of Credit System
Qiu Baochang, president of the Beijing Law Society’s E-governance Law Research Association, believes that while the Internet economy is developing rapidly, there is also a serious shortage of personal information protection. Even some companies use technology to implement unfair trade, which is also serious. The performance of dishonest performance. The protection of consumer personal information is particularly important in the process of corporate credit development.
'Because of the financial nature of similar multipurpose prepayments and the large number of users involved, the deposit of shared bicycles is much more complicated than the single-purpose advance payment of a single merchant, so it must be supervised. 'The People's University of China Law School Associate School Chang Yang believes that the construction of a credit system based on user portraits is the direction and necessity of future business model innovation. Only by establishing a good credit system can we reduce transaction costs, reduce intermediate links, and increase efficiency. This is also a spirit of the blockchain. In the future, market supervision should encourage the use of sesame graded methods to make better use of data and break the lease or sharing method based on traditional deposits alone. At the same time, it should be properly documented from the perspective of protecting consumer rights and protecting market order. And other third-party related agencies for the record.
Du Liqun, director of the Peking University Credit Research Center, believes that the sharing economy is a credit economy, and the credit system is a booster for the development of the shared economy. When the credit system is not perfect, information asymmetry is one of the major problems. If the credit agency can Effectively rating and disclosing credit rating among participants and consumers of the sharing economy, then consumers will judge which company is good faith, and the company can also choose the service target through the consumer's credit rating.
'I strongly support the construction of the credit system. We strongly emphasize that both the supply and demand sides and the buyer's and the seller's credit system must be promoted at the same time, and it is strongly recommended that the construction of credits for buyers and sellers must be comprehensive.' 50 members of the Information Society Forum, China Business Advertising Association The Institute’s dean, Ma Qilu, believes that the assessment of a company’s credit should not be locked in with the final result, but rather a comprehensive credit assessment. For example, the company’s breach of contracted conduct, being interviewed, was reprimanded. All behaviors are counted, and not only consumer complaints are lost by 5 points.
In credit system construction, credit constraints and credit applications are indispensable. Credit is valuable, and it is a kind of wealth. Some companies have already seen this wealth and excavated and used it. The participating experts stated that in the next step, we hope that the government’s credit system can Combining with commercial credit, it explores new ideas and new methods that are conducive to protecting the legitimate rights and interests of consumers and promoting the healthy and orderly development of new consumption patterns.